Web page action guidance system

ABSTRACT

A web server device is configured for communicating with a user device over a network via a web page. The web server device can receive an indication from the user device and can determine an action indicated by the user device among multiple actions that include transfer money, bill payment, direct deposit, person-to-person payment, and wire transfer. The web server device can determine the action indicated by the user device among the multiple actions by identifying a type of action solely from an identification of a recipient received from the user device and using stored data that includes associations of types of actions with a plurality of recipients. The web server can generate information for a user interface that is displayable by the user device for guiding the user via the web page to input information needed for the action determined from the multiple actions.

CROSS-REFERENCE TO RELATED APPLICATIONS

This is a continuation of U.S. application Ser. No. 14/674,507, titled“Web Page Action Guidance System” to Ratcliffe et al., and filed Mar.31, 2015 (allowed), which claims priority to U.S. ProvisionalApplication Ser. No. 61/972,656, titled “Electronic and NetworkedPayments and Transfers” and filed on Mar. 31, 2014, the entirety of bothof which are incorporated herein by reference.

TECHNICAL FIELD

This disclosure generally relates to communications networks and, morespecifically (but not by way of limitation) to web-based communicationssystems to effectuate changes in separate systems.

BACKGROUND

Web-based systems, particularly ones that impact other systems, canrequire significant user knowledge for navigating various options andselections including in the web-based systems to effectuate the impacton other systems. Web-based systems may also involve terminology andprocesses specific to particular industries, rather than terminologyaccessible to a wide variety of potential users. Furthermore, web-basedsystems often have user interface designs per type of device (e.g.,laptop or mobile device), but are not responsive to screen size per typeof device. User interfaces often fail to guide users in providing theneeded information quickly such that multiple exchanges of web pages andinformation are necessary, which involve increased bandwidth and systemusage.

SUMMARY

In one example, a web server device is configured for communicating witha user device over a network via a web page. The web server devicecomprises a processing device and a non-transitory computer-readablemedium. The non-transitory computer-readable medium comprisesinstructions that are executable by the processing device to cause theweb server device to perform operations. The operations comprisereceiving an indication from the user device. The operations alsocomprise determining an action indicated by the user device amongmultiple actions that include transfer money, bill payment, directdeposit, person-to-person payment, and wire transfer. The web serverdevice is configured for determining the action indicated by the userdevice among the multiple actions by identifying a type of action solelyfrom an identification of a recipient received from the user device andusing stored data that includes associations of types of actions with aplurality of recipients, the recipient being a person, an entity, or anaccount of another user other than a user of the user device. Theoperations also comprise generating information for a user interfacethat is displayable by the user device for guiding the user via the webpage to input information needed for the action determined from themultiple actions by (i) preventing the user from entering information onthe user interface that is unnecessary for executing the action but thatis usable for executing other actions of the multiple actions that isdifferent than the action determined from the multiple actions and (ii)retaining on the user interface requests for information that isnecessary for executing the action.

In another example, a method comprises receiving, by a web server devicecommunicating with a user device over a network via a web page, anindication from the user device, the indication identifying a recipient.The method also comprises determining, by the web server device or abackend application server system communicating with the web serverdevice, an action indicated by the user device among multiple actions byautomatically identifying a type of action solely from an identificationof the recipient received from the user device and using stored datathat includes associations of types of actions with a plurality ofrecipients, the recipient being a person, an entity, or an account ofanother user other than a user of the user device, the multiple actionsincluding transfer money, bill payment, direct deposit, person-to-personpayment, and wire transfer. The method also comprises selecting, by thebackend application server system communicatively coupled between theweb server device and a plurality of database devices and between theweb server device and an action implementation system, a database deviceamong the plurality of database devices, and a data type to access,based on the action, the plurality of database devices having differentdata associated with a user identification for the user of the userdevice, and different data corresponding to different actions. Themethod also comprises generating, by the web server device, informationfor a user interface that is displayed by the user device for guidingthe user via the web page to input information needed for the actiondetermined from the multiple actions by (i) preventing the user fromentering information on the user interface that is unnecessary forexecuting the action but that is usable for executing at least one otheraction of the multiple actions that is different than the actiondetermined from the multiple actions and (ii) retaining on the userinterface requests for information that is necessary for executing theaction.

In another example, a non-transitory computer-readable medium comprisesinstructions that are executable by a processing device for performingoperations. The operations comprise receiving an indication from a userdevice. The operations also comprise determining an action indicated bythe user device among multiple actions that include transfer money, billpayment, direct deposit, person-to-person payment, and wire transfer.The operation of determining the action indicated by the user deviceamong the multiple actions includes identifying a type of action solelyfrom an identification of a recipient received from the user device andusing stored data that includes associations of types of actions with aplurality of recipients, the recipient being a person, an entity, or anaccount of another user other than a user of the user device. Theoperations also comprise generating information for a user interfacethat is displayable by the user device for guiding the user via a webpage to input information needed for the action determined from themultiple actions by (i) preventing the user from entering information onthe user interface that is unnecessary for executing the action but thatis usable for executing other actions of the multiple actions that isdifferent than the action determined from the multiple actions and (ii)retaining on the user interface requests for information that isnecessary for executing the action.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 depicts a schematic diagram of a system for managingimplementation of an action according to one example.

FIG. 2 depicts a block diagram of a server device usable in the systemof FIG. 1 according to one example.

FIG. 3 is a flow chart of a process for guiding a user and executing anaction via a web-based system according to one example.

FIG. 4 is a user interface of an accounts overview according to oneexample.

FIG. 5 is a user interface of an accounts overview according to anotherexample.

FIG. 6 is a user interface of account details according to one example.

FIG. 7 is a user interface for initiating an action of payments via asingle view according to one example.

FIG. 8 is a user interface for initiating an action of payments andtransfers with selected options available depending on informationreceived from a user, according to one example.

FIG. 9 is a user interface with information about electronic paymentaccording to one example.

FIG. 10 is a user interface with information about a paper checkaccording to one example.

FIG. 11 is a user interface with a selectable calendar for scheduling anaction, according to one example.

FIG. 12A is a user interface for initiating an action of payments via alist view, according to one example.

FIG. 12B is a user interface, as shown in FIG. 12A, with certain entriesin the list highlighted, according to one example.

FIG. 13 is a user interface for receiving verification of scheduledpayments prior to submission, according to one example.

FIG. 14 is a user interface for confirming action on scheduled paymentsand transfers, according to one example.

FIG. 15 is a user interface that is displayed in different formats ondifferent user devices, according to one example.

FIG. 16 is a user interface as displayed on a user device that is afirst type of user device, according to one example.

FIG. 17 is a user interface as displayed on a user device that is asecond type of user device, according to one example.

FIG. 18A is a user interface as displayed on a user device that is athird type of user device, according to one example.

FIG. 18B is the user interface from FIG. 18A with a menu optionselected, according to one example.

DETAILED DESCRIPTION

The present disclosure relates to networked, web-based systems foreasily effectuating particular actions or changes, among multipleavailable actions, in separate systems easily. By way of one example, asystem can provide for payments and transfers of funds electronicallyand in a networked manner. Certain examples provide a user interfacethat facilitates payments and transfers in a client-optimized,responsive design approach.

For example, based on extensive usability testing, a user interface isprovided that is easy to use, and that implements processes and flowsthat are efficient and intuitive. Copy and field labels can be easilyunderstandable (eliminating industry-specific speak), and the designstyle can be pleasing to the user. In some examples, users are guidedthrough the user interface and are able to complete multiple, complextasks while continuing to move forward in an overall flow. Users do notneed to use the back arrow on common web processes. “Suggested NextSteps” and “I Want To” options can be conveniently located on each pageof the user interface.

Examples of a user interface can be optimized for any screen size,desktop PC, tablet, or mobile phone, and can be touch-enabled. Forexample, the user interface can intelligently adapt to the device onwhich it is rendered. Information can be grouped into widget-likecontainers that may be expanded or collapsed based on user preference.The set preferences can be saved and can be displayed appropriately eachtime the user logs on. Large tables of information can be avoided toaccommodate smaller screen sizes.

In some examples, a user may not be required to decide what type ofaction that the user wants to make first and then have to navigate tothe appropriate tab to start the operation. Having each action type beassociated with its own, static long form and required inputs (e.g.,bill pay—clients must start the process by choosing from a list ofpayees organized in a list/table format) can be avoided.

A user interface according to certain examples can present clients withmoney movement options conveniently placed in one location. Thesimplified process of moving money can combine payment types, internaltransfers, outside transfers, bill pay, ACH, Direct Deposit, and wiretransfer, in one flow that is intuitively designed and guides the userthrough completing the task without leaving the flow. Users may not berequired to learn new processes for different types of move moneyoperations. Some examples may decrease page load times.

Certain examples can be implemented in a networked and electronicsystem. FIG. 1 depicts an example of a networked and electronic system100 in which various processes can be implemented using server devicesand database devices. The system 100 includes a web server device 102, abackend application server system 104, a person-to-person action system106 communicatively coupled to the backend application server system 104through an integration system 108, and certain database devicescommunicatively coupled to the backend application server system 104. Anexample of the person-to-person action system 106 is a person-to-personpayment system. The integration system 108 can format requests andcommands for the person-to-person action system 106 so that theperson-to-person action system 106 can effectuate an action throughnetworked communication with other accounts, systems, and currencies. Insome examples, the integration system 108 is separate from the system100. The integration system 108 can create a layer of isolation betweensystems, such as if one or more of the systems is an external system, toreduce the complexity of replacing systems and to improve allowing otherapplications easy access to those systems.

The database devices include an action type A database device 110, auser information database device 112, and an action type B databasedevice 114. The action type A database device 110 can include historicalinformation associated with a user identification about activitiespreviously performed by the user in connection with a certain actiontype—action type A. An example of an action type A database device 110is a bill payment warehouse database device. The user informationdatabase device 112 can include user identifications associated withuser account information and, in some example, user demographicinformation. The action type B database device 114 can includehistorical information associated with a user identification aboutactivities previously performed by the user in connection with a certainaction type—action type B. An example of an action type B databasedevice 114 is a money transfer database device. In some examples, thedatabase devices 110, 112, 114 are implemented as logical databases,such as virtual machines or devices, rather than on separate devices.

The web server device 102 can communicate over a network with a userdevice 116. The user device 116 may be a computing device, such as alaptop, mobile phone, desktop, personal digital assistant, tablet, etc.,that can display content in a web browser or other interface. Forexample, the web server device 102 can generate user interfaces andprovide the user interfaces to the user device 116 over the network. Theweb server device 102 can also receive requests and commands from theuser device 116, and configure the user interfaces to be provided to theuser device 116 in response to the requests and commands.

The backend application server system 104 can communicate with an actionimplementation system 118. The action implementation system 118 may bepart of the system 100 or separate from the system 100. The actionimplementation system 118 can implement the action selected by the userand validated according to the other components of the system. Anexample of the action implementation system 118 is a payment andtransfer system that can effectuate, through networked exchanges acrossvarious systems, the payment or transfer of funds between accounts,systems, and currency exchanges. The backend application server system104 can exchange data and commands, electronically or optically, withdatabase devices, the web server device 102 and the person-to-personaction system 106 through the integration system 108.

FIG. 2 depicts a block diagram of a server device 200 or system. One ormore of the web server device 102, backend application server system104, the person-to-person action system 106, and the integration system108 of FIG. 1 may each include the type of components depicted in FIG.2.

The server device 200 can include a processor 206, a memory 212, and abus 208. The memory 212 includes a tangible, computer-readable memory onwhich code is stored. The processor 206 can execute code stored in thememory 212 by communication via the bus 208 to cause the server device200 to perform actions. The server device 200 can include aninput/output (I/O) interface 210 for communication with othercomponents, such as a network, other server devices, and externalsystems. The server device 200 may be any device that can process dataand execute code that is a set of instructions to perform actions.Examples of the server device 200 include a database server, a webserver, desktop personal computer, a laptop personal computer, ahandheld computing device, and a mobile device.

Examples of the processor 206 include a microprocessor, anapplication-specific integrated circuit (ASIC), a state machine, orother suitable processor. The processor 206 may include one processor orany number of processors. The processor 206 can access code stored inthe memory 212 via the bus 208. The memory 212 may be anynon-transitory, computer-readable medium configured for tangiblyembodying code and can include electronic, magnetic, or optical devices.Examples of the memory 212 include random access memory (RAM), read-onlymemory (ROM), a floppy disk, compact disc, digital video device,magnetic disk, an ASIC, a solid state device, a configured processor, orother storage device.

Instructions can be stored in the memory 212 as executable code. Theinstructions can include processor-specific instructions generated by acompiler or an interpreter from code written in any suitablecomputer-programming language. The instructions can include anapplication, such as an action selection engine 214, that, when executedby the processor 206, can cause the server device 200 to generate a userinterface or a series of user interfaces for intuitively guiding a userthrough selecting an action, gathering information from database devicesto guide the user and validate the action, and executing the action bycommunicating with an external system. The memory 212 can also include adatastore 216 in which content and data can be stored.

FIG. 3 depicts a flow diagram of a process for guiding a user inselecting an action using a networked system. The process is describedwith respect to the system 100 shown in FIG. 1, but otherimplementations are possible.

In block 302, the web server device 102 receives an indication from theuser device 116 via a network. The indication may be in the form of acommand or other data transmitted electronically or optically from theuser device 116 in response to user input. The indication can bereceived as an input in response to the presentation of a user interfacethat includes a web page configured to accept input and transmit theinput to the web server device 102 over the network. The indication canindicate or suggest an action desired by the user to be executed. Insome examples, the indication is about an action of a payment ortransfer of funds.

In block 304, the type of action indicated by the user device 116 isdetermined. In some examples, the web server device 102 can determinethe type of action indicated by the user device 116 by determining thetype of input provided by the user to the user device 116. In otherexamples, the web server device 102 electronically or opticallytransmits the indication to the backend application server system 104,which determines the type of action indicated by the user device 116.Examples of types of requests can include a payment request, a transferrequest, and a person-to-person payment request. The web server device102 or the backend application server system 104 can determine the typeof action based on an option presented on the web page and selected bythe user. In other examples, the web server device 102 or the backendapplication server system 104 determines the types of action bydetecting a series of commands received from the user device 116 matchesa workflow of a particular type of action. The web server device 102 maydetermine the action automatically based on an identification of therecipient received from the user device. For example, if a recipient isa bank account, then the system can present information needed to make atransfer. If the recipient is a utility company, then the systempresents information needed to make a bill payment.

In block 306, the backend application server system 104 selects adatabase device and data type to access based on the action type. Forexample, the backend application server system 104 can determine thatthe type of action being requested is of a type A and can accessinformation associated with the user identification that is stored inaction type A database device 110 by transmitting a digitizedrepresentation of a request to the action type A database device 110.The request can include the user identification and the type ofinformation requested from the action type A database device 110. Thebackend application server system 104 can receive a response,electronically or optically, from the database device (in the exampleabove, action type A database device 110) with the requested informationand associate the information together in a packet that is provided tothe web server device 102.

In block 308, the web server device 102 generates a user interface basedon data from the selected database device and received from the backendapplication server system 104. The web server device 102 can generate auser interface for display by the user device 116 that shows differentinformation (e.g., a branch among multiple branches) to the user basedon the type of request and guide the user for input needed to completean action on the request. In block 310, the web server device 102provides the user interface to user device for guiding the user oninputting information for selected action. For example, the web serverdevice 102 can generate a user interface for a branch that correspondsto the type of request and that guides the user into providing theinformation needed for that type of request. User interfaces for themultiple branches can use a common style, layout, and presentation, butguide users to input different types of information, depending on thetype of request corresponding to the branch. For example, options that auser is authorized to select for a particular branch can be presented,but other options (e.g., options applicable to other types of requests)are not presented. The user interfaces may also allow the user toidentify a new person or account for association with a payment ortransfer. In some implementations, the user interface may include anoption for the user to add additional bills, transfers, etc., and tobundle multiple bills, transfers, etc. together. The web server device102 can receive the action-related information in response to the userproviding information through a web page formulated to guide the user toinput the necessary information. The web server device 102 can providethe action-related information to the backend application server system104.

In block 312, the backend application server system 104 validates theinformation from the user device 116 and commands the actionimplementation system 118 to perform the action. The action may impactmultiple external systems or only impact the system 100. Examples of anaction include the movement of funds for payment or a transfer of funds.The backend application server system 104 can validate the informationby comparing the types of information received from the user device 116to the information necessary to command the action to be executed. Inother examples, the backend application server system 104 accesses datain the database devices to confirm that that the information receivedfrom the user device 116 is consistent with data expected to be receivedfrom the user device 116. After initiating the action in response to therequest by electronically or optically commanding the actionimplementation system 118 to execute the action, the web server device102 can generate a user interface that confirms that the action has beeninitiated or completed.

Features Included in Some Implementations

Systems according to some examples can include an integrated use oftooltips and “lightbox” popups to provide help in context and keep theuser in the flow of the user's task. “Upcoming and Completed Transfersor Payments” can be displayed at the time of making a transfer orpayment to help users make decisions (e.g., Have I already paid my billto Time Warner Cable? Did my transfer already go through? How much wasmy recent payment to my doctor?). Some systems may provide users withthe ability to edit and delete payments and transfers from this view aswell.

For selecting a recipient to pay, a combination of type-ahead/selectmenu elements can be provided to give the user the option of usingeither method. The type-ahead element can allow the user to begin typingwhile instantly filtering the list as the user types. This can beparticularly helpful for users that have several bill pay recipients.Most other bill payment set-up forms show a long list of the user'srecipients/billers on screen. The menu can allow the user to select onlythe one the user needs. This can eliminate on-screen clutter, keep theuser focused on the individual task and mitigate mistakes. It can alsobe mobile-friendly, meaning the design can work in the same manner on asmartphone as it would on a desktop computer. The user does not need tore-learn how to use the payment and transfer forms if the user usesmultiple devices to access the online banking website, an increasingtrend.

Some systems can allow access to adding a new recipient at the time theuser needs it, while making a payment. There can be multiple accesspoints for this, from the “Send To” select menu or from the “I Want to”links. Some systems can allow access to adding an external transferaccount (an account not with the financial institution that hosts,provides, or arranges to provide the interface) at the time the userneeds it, while making a transfer. There can be multiple access pointsfor this, from the “From” account select menu or from the “I Want to”links. For small business ACH and Wire clients, some systems can providethe ability to add new ACH and Wire recipients in the flow of making apayment. The form can expand to show appropriate fields if a newrecipient option is requested.

Using a progressive disclosure design, some systems can provide contentonly when needed or requested. Examples include:

-   -   a. When a recipient is selected, the recipient details, last        payment date and amount, deliver by date and payment type can be        displayed for that recipient.    -   b. Also, the frequency options (no end date, number of payments)        may not be displayed until an option other than “one-time” is        chosen.    -   c. For transfers, options for higher transfer limits or “next        business day delivery” can be displayed if certain accounts are        selected/user is eligible.

Some systems can provide the ability to view and edit the recipientdetails while making a payment. This can be helpful if a user noticestheir recipient's account number has changed or if the user needs toupdate the recipient's address, the user can accomplish this at the timeof payment without needing to navigate away and returning. For making apayment, a custom calendar date picker design can provide a visualcolor-coded display to help users understand the different billrecipient types and delivery times. On the Verify/Review step, somesystems can provide the ability to Edit or Remove payments or transfers“inline” instead of requiring to go back to the previous step.

For payments, multiple payments can be added and submitted all at onetime (and pay from multiple accounts). Individual payments can “roll up”to a summary and a new payment form expands in the view to allow usersto “stack up” as many payments as the user needs. When the form expands,it may also move to the top of the user's viewport (helpful for smallscreens/devices). Some systems provide the ability to edit or deletepayments or future-dated transfers from the confirmation page.

For small business “make payments,” some systems can combine all smallbusiness-related payment functions. Users have one place to go to makewires, ACH payments, direct deposits, bill payments, transfers. Forsmall business, progressive disclosure design can help to step usersthrough the process by asking “how fast” the user would like the paymentto arrive. The user can choose same-day wire, next-day ACH payment or2-5 business day bill payment.

Examples of Additional Features

The examples listed in this section apply to each operation for movingmoney in connection with a financial institution and through the use ofuser interfaces generated for display on web pages.

a. Each move money operation can begin with “I Want To” and the user canchoose between “Make a Payment,” “Transfer Money,” or “Direct Deposit,”to start the flow.

b. If a user selects “Make a Payment” the user can then be prompted tochoose how fast the user needs the payment to execute—same-day wiretransfer, next-day ACH, or 2-5 business day bill pay. This can eliminatethe need for the user having to guess or research the varying processingdeadline and settlement times for the payment types.c. Fees that may apply based on the payment type can be shown within theflow.d. Users can be asked to select a recipient. The user can select from adrop-down box or type-ahead feature that presents analphabetically-arranged, abbreviated list of recipients, or the user canadd a new recipient in line without ever leaving the flow. This can be away to manage large lists of recipients.e. Tool tips can be logically located throughout the payment flow in ahover-over or light-box design that retains the user in the payment flowwhile providing convenient access to instructions.f. Error messages can be presented within the flow where the erroroccurs, and can be indicated with icons and contrasting boxes, clearlyshowing the user where the corrections are needed without having tostart over, go back, or leave the flow.Descriptive Examples of Screen Flow Options Available for Users

Examples of features that may be available to user in connection with anaction, such as a move money operation, are described in this section.These are examples only. Deviations (e.g., leaving out certain features,modifying certain features, and adding additional features) within thescope of this disclosure are permissible.

Transfers:

a. User starts the “Move Money” flow.

b. Selects “Transfer” and the appropriate fields are presented to theuser.

c. The user interface can prompt users to select the “From” accountbefore the “To” account to provide an intuitive flow.

d. User can choose to fund the transfer from an account not associatedwith the financial institution providing the user interfaces, and canadd that external account by completing a few simple tasks.

e. If user adds an external account and qualifies for next business daydelivery, the user can be presented with another offer without leavingthe transfer flow.

f. Field labeling can be dynamic based on the “Move Money” type andfrequency

-   -   i. If user chooses to make a single transfer, then the Date        field is labeled “Send On”    -   ii. If user chooses to make recurring transfers, then the Date        field is labeled “Begin On”        g. “Upcoming and Completed Transfers” can be visible on the page        while making the transfer        h. User can see a summary of the transfer when the user selects        “Review,” and can edit or cancel the transfer from the Review        page.        i. User can receive a warning if the user edits or cancels the        transfer before selecting “Complete,” or if the user navigates        away before selecting “Submit.”

Bill Pay for Small Business or Other Types of Customers:

a. User starts the “Move Money” flow.

b. User selects “Make a Payment.”

c. User is prompted with “How Fast Do I Need it There?”

-   -   i. Same-day Wire, next-day ACH, 2-5 business day bill pay.    -   ii. If client is not eligible or enrolled in the ACH/wire        service the options can be disabled (e.g., radio button not        selectable).        d. User is prompted to select a recipient.    -   i. User can select from a drop down box or type ahead.    -   ii. If recipient is selected, the user can receive summary        information for the recipient in-line with selection.    -   iii. User can edit recipient information in-line and can receive        a confirmation after the edit is made.        e. Once the user selects or adds the recipient, an indicator can        be displayed next to the send on/calendar pick if the payment is        to be sent via electronic or paper check. If the recipient is        “known” as a bill pay recipient (e.g., in a stored merchant        directory), the payment can process electronically. If the        recipient has not previously been paid by bill pay or an account        number is not available, the payment can be a check by mail.        Both payment methods can also have tool tips notifying the user        when funds will be debited from the user's account.        f. When choosing the “Bill Pay” date, the user can be presented        with a custom “Bill Pay” calendar that depicts the send/deliver        by dates. The calendar can be optimized for various and        different screen sizes. Also, if the user implements the        calendar picker to select the “Send On” date, the days forward        can be highlighted to reflect electronic or payment showing the        client when the recipient should anticipate receiving the        payment.        g. “Upcoming and Completed Bill Pay” payments can be visible on        the page while making the payment.        h. User can see a summary of the “Bill Pay” when the user        selects “Review,” and the user can edit or cancel the “Bill Pay”        from the summary page.        i. User can choose to “Add Another” bill pay payment and        continue to stack multiple payments. Both single and multiple        payments can be accommodated within this flow—the user can be        provided the convenience of either way to pay. A total for each        funding account can be displayed to the user on the summary page        for the total amount of the “Bill Pay” payments.        j. User can receive a warning if the user edits or cancels the        “Bill Pay” before selecting Submit. User can submit multiple        “Bill Pay” payments at once and can see the total amount of the        “Bill Pay” payments by account on the confirm page.

ACH:

a. User starts the “Move Money” flow.

b. User selects “Make a Payment.”

c. User is prompted with “How Fast Do I Need it There?”

-   -   i. Same-day Wire, Next-day ACH, 2-5 Business day Bill Pay.    -   ii. If user is not eligible or enrolled in the ACH/Wire service        the options are disabled (e.g., by having an unselectable radio        button).    -   iii. If user is eligible but not enrolled in the ACH/Wire        service, the “Add ACH/Wire” button appears and, if selected, the        user is taken to the “Business Services” page to start the        enrollment.    -   iv. If user is eligible and chooses “Next-day ACH,” the        different types of ACH payments can be presented with the        appropriate fee.        d. User may select or add a recipient and is presented with        summary information for the recipient to include ABA Routing and        Account Numbers (visual confirmation).        e. The field name for the date can change dynamically to        “Effective Date” (unique terminology for ACH payment, tool tip        provided).

Direct Deposit:

a. User starts the “Move Money” flow.

b. User selects “Direct Deposit” (used to pay employees).

c. It can be presented in the “Move Money” flow as another “Move Money”task, unlike being grouped with different functions in the userinterface.

d. Users can add employees to one or multiple constructed templates thatcan also be optimized for smaller screens.

e. Users can edit/delete employees from the templates and add or deletewhole templates.

f. The “Direct Deposit” payments to each employee and the debit to thefunding account can execute with one “Review/Complete” step within theflow.

Wire Transfer:

a. Users starts the “Move Money” flow.

b. User selects “Make a Payment.”

c. User is prompted with “How Fast Do I Need it There?”

-   -   i. Same-day Wire, Next-day ACH, 2-5 Business day Bill Pay.    -   ii. If user is not eligible or enrolled in the ACH/Wire service,        the options are disabled (e.g., radio button prevented from        being selected).    -   iii. If user is eligible but not enrolled in the ACH/Wire        service, the Add ACH/Wire button can appear and, if chosen, the        user is taken to the “Business Services” page to begin the        enrollment.    -   iv. If user is eligible and chooses “Same-day Wire,” both        Domestic and International wire transfer options can appear with        the appropriate fee.    -   v. User can select and the fields can be dynamically presented        based on unique requirements for each type of wire transfer.    -   vi. Tool tips can be instructive and help the user navigate        through the wire flow with ease.    -   vii. For both types of wires, as a convenience, the user can be        presented with the available balance for the account the user is        using to fund the wire to ensure funds are available, without        having to leave the “Move Money” flow.

In some systems, person-to-person (P2P) payments can be added to the“Move Money” flow. Multiple recipients can be combined into a singledata table to allow for further simplification of the “Move Money”operation by reordering what is important to the user. Selecting the“Recipient” can be the first choice instead of choosing between apayment or a transfer.

Examples of User Interfaces

FIGS. 4-18B are examples of user interfaces that the web server device102 may be designed to provide for display by the user device 116.

FIG. 4 is a user interface 400 that may be the first page provided bythe web server device 102 after the web server device 102 receives login credentials from the user device 116. The user interface 400 acategorization of accounts by type, and provides the ability to switchamong personal, business, or all accounts. Certain sections or optionscan be set closed or open. For example, selecting a heading such as“Checking and Savings” 402 or “Account Services” 404 can cause it toopen or close. The settings may persist for the next time that the userlogs in. Display of scheduled transfers and payments on Overview page406 can be provided. Improved navigation through the Account Servicessection can be provided with touch friendly layouts—the larger “buttons”and increased white space can provide a better experience on touchdevices such as “smart” phones and tablets.

FIG. 5 is an example of a user interface 500 for an account overview fora small business. The web server device 102 can provide the userinterface 500 for display by the user device 116. This view includes asection for scheduled ACH 502 and Wire Transfers 504.

FIG. 6 is an example of a user interface 600 for providing accountdetails in which “Posted” 602 and “Pending” 604 transactions are in asingle table, and the interface includes a touch-friendly design. Theweb server device 102 can provide the user interface 600 for display bythe user device 116. In addition, routing number and account number onthe page can be masked for security.

The system 100 may provide at least two ways for users to pay billswithin an online banking system: single view and list view. Each viewcan serve a particular user preference for paying bills.

Single view can display a “form” layout that matches the look and feelof transferring money. The interface can allow the user to select theindividual person or business to pay (or use the type-ahead to narrowthe options). While multiple payments can be added and then submitted atonce using the single view flow, it can benefit users that pay one billat a time. The single view may be a default view that provides anoptimized layout for users on mobile devices with small screens.

FIG. 7 is an example of a user interface 700 for allowing a user toinitiate payments or transfers. The web server device 102 can providethe user interface 700 for display by the user device 116. Separatetransfer and bill pay functions can be combined into one section.In-line assistance provides information about fees, cutoff times,definitions, and account specific messages. Upcoming payments 702 (withtotals per account) can be displayed. Depending on the selection by theuser, the user interface 700 can be modified to guide the user inproviding the information needed to initiate an action, such as apayment or a transfer.

For example, FIG. 8 is an example of part of a user interface 800 thatguides a user to enter information necessary to make a payment, butprevents the user from needing to enter information that is not neededfor making a payment. The web server device 102 can provide informationto the user device 116 for displaying the user interface 800. Subsequentto the user select that the user wants to “Make a Payment” 802, the userinterface 800 elicits when the user needs the payment to be executed 804(and may hide or make unselectable options that are not available forthe user, for example depending on the time of day or the type 806 ofpayment that the user wishes to make. Recipient selection 808 can bepopulated with frequency or historical recipients selected by the user.Clearer language can define Wires, ACH and Bill Pay in terms of deliverytimes. In-line help defines cut off times, and other terms in-line.Upcoming and completed payment and transfers 810 are shown on the page.The upcoming and completed payments and transfers 810 can be displayedbased on the type of selected payment or transfer. A user can also makedirect deposit payments (if enrolled) from this flow. Opportunities forintroduction to a payment service can be provided for users not enrolledin the program.

FIG. 9 depicts an example of part of a user interface 900 in which anelectronic payment is being scheduled. Information about an electronicpayment 902 can be accessible in-line for guiding a user in connectionwith bill pay. FIG. 10 depicts an example of part of a user interface1000 in which an electronic payment is being scheduled. Informationabout a paper check 1002 can be accessible in-line for guiding a user inconnection with bill pay. The web server device 102 can provideinformation to the user device 116 for displaying the user interfaces900, 1000.

FIG. 11 depicts an example of part of a user interface 1100 withcalendar that may be displayed in-line with the user interfaces in theprevious figures. The calendar can be used for selecting a “Send On”date in connection with a bill pay.

An alternate bill payment method is list view. List view can display theuser's payees in a list format. A payment amount entry is provided foreach person or business to pay; all other details for each payee areoptional or display a default value that can be edited. The list viewcan provide a quick way to make multiple payments at once. It may alsoallow users to see all payees at once with last payment details,allowing the user to scan the list to see who has already been paid, howmuch they were paid, and when they were paid.

FIGS. 12A-14 are examples of user interfaces for a list view by which anaction of bill pay can be initiated. FIG. 12A depicts a user interface1200 that includes a list of payees for payment. Upcoming payments 1202(with totals per account) are displayed as a reference for the user whenmaking payments. FIG. 12B depicts the user interface 1200 with rows 1204a, 1204 b, 1204 c having a payment amount highlighted and rows 1206 a,1206 b without an associated payment amount not highlighted. This canhelp a user maintain the user's place and quickly identify the paymentsthat have been set up in the list. FIG. 13 depicts an example of a userinterface 1300 for reviewing and verifying, for a list view, multiplepayments prior to submission. FIG. 14 depicts an example of a userinterface 1400 to provide confirmation that payments were scheduled. Asuccess message 1402 can be displayed at the top of the page. The formatcan match the review page in FIG. 13 so that users are not disoriented.Payments can be edited or deleted. Totals can be provided from eachfunding account used. Suggested next steps 1404 can provide options forusers. The web server device 102 can provide the user interfaces fromFIGS. 12A-14 for display by the user device 116.

Systems according to some examples can include web server devices thatcan cause user interfaces to be configured differently, depending on thetypes of user devices showing the user interfaces—a responsive design. Aresponsive design can include “breakpoints” in the interfaces to betterfit on a given device's screen. One code base can be used for manydevices. Page elements can change depending on screen size. For example,a menu can go from tabs on the screen to a drop-down menu. In anotherexample, elements, such as an account services box and banner ad, can bepositioned vertically according to priority. The user interface canprovide large fonts and large touch targets. The interface can scale andadapt to any screen size. Considerations for navigating on touch devicesinclude allowing for mis-taps and providing for some controls, such asspecial menus, to be displayed only for mobile devices. FIGS. 15-18Bdepict examples of a responsive design user interface.

FIG. 15 depicts examples of different appearances of a user interface1500, depending on the device displaying the user interface 1500. Theuser interface 1500 is an online banking interface. The design andappearance of the user interface 1500 can change, depending on the sizeof the screen, to provide an optimal view experience. For example, theamount of content and the placement of content on the user interface canchange, depending on the size of the device. In FIG. 15 there are threeexamples shown—the user interface 1500 on a laptop or desktop computingsystem 1502, the user interface 1500 on a tablet 1504, and the userinterface 1500 on a mobile device 1506. In some examples, the same userinterface 1500 can be served from the same website, as opposed to beingserved from a “mobile” site and a regular site, for the mobile device1506 and the laptop or desktop computing system 1502, respectively.

FIG. 16 depicts an example of a user interface 1600 displayed on alaptop or a desktop. The appearance of the user interface 1600 may alsobe shown on a tablet in a landscape view. The user interface 1600includes numbers 1 to 4 circled to identify certain features, whichinclude: 1. main navigation displays with each top-level option shown,2. payment form displayed on the left-hand side of the user interface1600, 3. “I want to” options displayed at the top, right-hand side ofthe user interface 1600, and 4. upcoming and completed tables presentedat the bottom, right-hand side of the user interface 1600.

FIG. 17 depicts an example of the user interface 1600 displayed on atablet device or a mobile phone. In contrast to the user interface 1600as shown in FIG. 16, the user interface 1600, again with reference tonumbers 1 to 4 circled, shown in FIG. 17 includes: 1. a top navigationconverted to compact menu options, 2. the payment form is the top, mainfunction, 3. the “I want to” options drop to the bottom of the page andcan be anchor links as the user scrolls to the bottom of the userinterface 1600, and 4. upcoming and completed payments tables stackbelow the main form, and are converted to vertical lists on the userinterface 1600.

FIGS. 18A-18B depict an example of the user interface 1600 displayed ona mobile device, such as a mobile phone. The appearance of the userinterface 1600 can be similar to the user interface 1600 as shown inFIG. 17, except that review and verify features may not be available. Insome examples, these features can instead be accessible via links or viaadditional scrolling.

The foregoing description of the examples, including illustratedexamples, of the subject matter has been presented only for the purposeof illustration and description and is not intended to be exhaustive orto limit the subject matter to the precise forms disclosed. Numerousmodifications, adaptations, combinations, and uses thereof can beapparent to those skilled in the art without departing from the scope ofthe subject matter.

What is claimed is:
 1. A web server device configured for communicatingwith a user device over a network via a web page, the web server devicecomprising: a processing device; and a non-transitory computer-readablemedium comprising instructions that are executable by the processingdevice to cause the web server device to perform operations, theoperations comprising: receiving an indication from the user device;determining an action indicated by the user device among multipleactions that include transfer money, bill payment, direct deposit,person-to-person payment, and wire transfer, wherein the web serverdevice is configured for determining the action indicated by the userdevice among the multiple actions by identifying a type of action solelyfrom an identification of a recipient received from the user device andusing stored data that includes associations of types of actions with aplurality of recipients, the recipient being a person, an entity, or anaccount of another user other than a user of the user device; andgenerating information for a user interface that is displayable by theuser device for guiding the user via the web page to input informationneeded for the action determined from the multiple actions by (i)preventing the user from entering information on the user interface thatis unnecessary for executing the action but that is usable for executingother actions of the multiple actions that is different than the actiondetermined from the multiple actions and (ii) retaining on the userinterface requests for information that is necessary for executing theaction.
 2. The web server device of claim 1, wherein the web serverdevice is positionable in a system, the system comprising: databasedevices having different data associated with a user identification forthe user and corresponding to different actions; a backend applicationserver system communicatively coupled between the web server device andthe database devices and between the web server device and an actionimplementation system, the backend application server system beingconfigured for communicating data between the web server device and thedatabase devices and for commanding the action implementation system,which is an external system, to perform the action by: selecting adatabase device from the database devices and a data type to accessbased on the action determined to be indicated by the user device, theaction being a movement of money from or to the external system; andvalidating information received from the user device and outputting acommand to the external system to execute the action using theinformation that is validated, wherein the user interface includes: afirst element for the user to select an account from a list of accountsdetermined by the web server device to be available for the user, fromwhich to move money; a second element for the user to identify arecipient account to which to move the money, the recipient accountbeing selectable from a list of available recipient accounts at leastinitially limited to recipient accounts previously selected by the user;a third element for the user to identify an amount of money to move; anda fourth element for the user to select a date on which to execute theaction; and an integration system configured for allowing the backendapplication server system to communicate with a person-to-person actionsystem.
 3. The web server device of claim 2, wherein the databasedevices comprise: a first database device containing information aboutactions of a first type; a second database device containing informationabout actions of a second type; and a third database device containinguser information.
 4. The web server device of claim 2, wherein the userinterface includes: a fifth element for the user to select a payment ora transfer.
 5. The web server device of claim 4, wherein the userinterface further comprises: a sixth element for the user to selectamong types of implementations for the payment or the transfer,depending on the action determined to be indicated; a seventh elementfor listing upcoming payments and completed payments; and an eighthelement with a menu of options to view information and add additionalrecipient accounts to be displayed in the second element.
 6. The webserver device of claim 5, wherein the web server device is configured torearrange, remove, or add selected elements, based on a type of userdevice with which the web server device communicates.
 7. The web serverdevice of claim 6, wherein the web server device is configured toprovide modified versions of the same user interface to different typesof user devices from a common web site.
 8. The web server device ofclaim 7, wherein the different types of user devices include a mobiledevice and a laptop computing device.
 9. The web server device of claim1, wherein the identification of the recipient includes a type ofrecipient.
 10. A method comprising: receiving, by a web server devicecommunicating with a user device over a network via a web page, anindication from the user device, the indication identifying a recipient;determining, by the web server device or a backend application serversystem communicating with the web server device, an action indicated bythe user device among multiple actions by automatically identifying atype of action solely from an identification of the recipient receivedfrom the user device and using stored data that includes associations oftypes of actions with a plurality of recipients, the recipient being aperson, an entity, or an account of another user other than a user ofthe user device, the multiple actions including transfer money, billpayment, direct deposit, person-to-person payment, and wire transfer;selecting, by the backend application server system communicativelycoupled between the web server device and a plurality of databasedevices and between the web server device and an action implementationsystem, a database device among the plurality of database devices, and adata type to access, based on the action, the plurality of databasedevices having different data associated with a user identification forthe user of the user device, and different data corresponding todifferent actions; and generating, by the web server device, informationfor a user interface that is displayed by the user device for guidingthe user via the web page to input information needed for the actiondetermined from the multiple actions by (i) preventing the user fromentering information on the user interface that is unnecessary forexecuting the action but that is usable for executing at least one otheraction of the multiple actions that is different than the actiondetermined from the multiple actions and (ii) retaining on the userinterface requests for information that is necessary for executing theaction.
 11. The method of claim 10, wherein the plurality of databasedevices comprise: a first database device containing information aboutactions of a first type; a second database device containing informationabout actions of a second type; and a third database device containinguser information.
 12. The method of claim 10, wherein the user interfaceincludes: a first element for the user to select an account from a listof accounts determined by the web server device to be available for theuser, from which to move money; a second element for the user toidentify a recipient account associated with the recipient to which tomove the money, the recipient account being selectable from a list ofavailable recipient accounts at least initially limited to recipientaccounts previously selected by the user; a third element for the userto identify an amount of money to move; and a fourth element for theuser to select a date on which to execute the action.
 13. The method ofclaim 12, wherein the user interface further comprises: a fifth elementfor the user to select a payment or a transfer; a sixth element for theuser to select among types of implementations for the payment; a seventhelement for listing upcoming payments and completed payments; and aneighth element with a menu of options to view information and addadditional recipient accounts to be displayed in the second element. 14.The method of claim 13, wherein the web server device rearranges,removes, or adds selected elements, based on a type of user device withwhich the web server device communicates.
 15. The method of claim 14,wherein the web server device provides modified versions of the sameuser interface to different types of user devices from a common website.
 16. The method of claim 10, wherein the identification of therecipient includes a type of recipient.
 17. A non-transitorycomputer-readable medium comprising instructions that are executable bya processing device for performing operations, the operationscomprising: receiving an indication from a user device; determining anaction indicated by the user device among multiple actions that includetransfer money, bill payment, direct deposit, person-to-person payment,and wire transfer, wherein the operation of determining the actionindicated by the user device among the multiple actions includesidentifying a type of action solely from an identification of arecipient received from the user device and using stored data thatincludes associations of types of actions with a plurality ofrecipients, the recipient being a person, an entity, or an account ofanother user other than a user of the user device; and generatinginformation for a user interface that is displayable by the user devicefor guiding the user via a web page to input information needed for theaction determined from the multiple actions by (i) preventing the userfrom entering information on the user interface that is unnecessary forexecuting the action but that is usable for executing other actions ofthe multiple actions that is different than the action determined fromthe multiple actions and (ii) retaining on the user interface requestsfor information that is necessary for executing the action.
 18. Thenon-transitory computer-readable medium of claim 17, wherein the userinterface includes: a first element for the user to select an accountfrom a list of accounts determined to be available for the user, fromwhich to move money; a second element for the user to identify arecipient account associated with the recipient to which to move themoney, the recipient account being selectable from a list of availablerecipient accounts at least initially limited to recipient accountspreviously selected by the user; a third element for the user toidentify an amount of money to move; and a fourth element for the userto select a date on which to execute the action.
 19. The non-transitorycomputer-readable medium of claim 18, wherein the user interface furthercomprises: a fifth element for the user to select a payment or atransfer; a sixth element for the user to select among types ofimplementations for the payment; a seventh element for listing upcomingpayments and completed payments; and an eighth element with a menu ofoptions to view information and add additional recipient accounts to bedisplayed in the second element.
 20. The non-transitorycomputer-readable medium of claim 17, wherein the identification of therecipient includes a type of recipient.